Property
You have worked hard, you have toiled, and many times you were deprived, in order to create a warm nest and reach your own Ithaca. Do not leave it exposed protect it with Ypera!
“Insure your home”
- Fire, Lightning, Explosion
- Explosion
- Bush /Forest Fire
- Earthquake
- Bursting of Pipes and other water devises
- Flood, Storm and Tempest
- Impact
- Malicious Damage
- Riots, Strikes, Labor Disturbances & Civil Commotion
- Aircraft Impact
- Show, Ice, Hail
- Theft with Forcible Entry
- Short Circuit
- Loss of Rent
- Debris Removal
- Relocation Expenses
- Architect & Survey Fee (not sure for Survey Fee)
- Breakage of glass
Basic Covers Building
- Fire, Lightning, Explosion, Earthquake or Smoke
- Storm, Flood, Tempest or Whirlwind
- Riot, Protests & Civil Commotion SRCC(strikes , riot civil commotion)
- Vandalism and Malicious acts
- Aircraft and other aerial devices or objects falling thereof and collision to your buildings of any vehicle, train or animal
- Leakage of oil, liquid or water from any plumbing installation, heating, washing machine, refrigerator & freezer
- Theft or attempted theft which involves forcible entry or exit from the premises
- Breakage or collapse of television or radio antennas, satellite dish, television or security systems up to 1.000€
- Equipment and machinery outside of the house including solar panels (Loss or damage to solar panels, air conditioners and heaters, water and oil tanks and solar systems) up to 1.000€
- Falling trees, branches, telephone poles, power poles or pylons
- Temporary accommodation or loss of rent (up to 3 months)
- Breaking of window panes & sanitary fixtures (Accidental breakage in glass, windows, doors and skylights) up to 500€ (not Sure)
- Legal liability
| For property damages | 50.000€ |
| For bodily injuries | 100.000€ |
| For the period of Insurance | 100.000€ |
- Accidental Damage
OPTIONAL BUILDING COVERAGE
Costs of trace and access up to € 500
Automatic increase of Insured Amount for inflation during at renewal date
Architects’ Fees
Debris Removal
Estia Plus package
| Short circuit | 5.000€ | |
| Home Conversion Costs | 5.000€ | |
| Funeral expenses | 5.000€ | |
| Accelerated Return from Abroad | 1.000€ | |
| Seasonal Increase of Insured Content Amount | up to 1.000€ | |
| per coverage period and € 200 per item |
Basic Covers Contents
- Fire, Lightning, Explosion, Earthquake or Smoke
- Storm, flood, tempest or whirlwind
- Riot, Protests & Civil Commotion SRCC(strikes , riot civil commotion)
- Vandalism and malicious acts
- Aircraft and other aerial devices or objects falling from them and collision to your buildings of any vehicle, train or animal
- Leakage of oil, liquid or water from any plumbing installation, heating, washing machine, refrigerator & freezer
- Theft or attempted theft which involves forcible entry or exit from the building
- Breakage or collapse of television or radio antennas, satellite dish, television or security systems up to 1.000€
- Equipment and machinery outside the house including solar panels (Loss or damage to solar panels, air conditioners and heaters, water and oil tanks and photovoltaics) up to 1.000€
- Falling trees, branches, telephone poles, power poles or pylons
- Temporary accommodation Temporary relocation
- Leakage of oil, liquid fuel or water from the water supply and heating system of the house following an accidental failure in the specific system up to 700€
- Contents
ofin freezer up to 200€ - Contents in the garden up to 400€
- Fatal injury of the Insured from an accident or fire inside the house up to € 10,000
- Legal liability
| For property damages | 50.000€ |
| For bodily injuries | 100.000€ |
| For the period of Insurance | 100.000€ |
- Personal Money up to 500€
Estia Plus package
| Short circuit | 5.000€ | |
| Home Conversion Costs | 5.000€ | |
| Funeral expenses | 5.000€ | |
| Accelerated Return from Abroad | 1.000€ | |
| Seasonal Increase of Insured Content Amount | up to 1.000€ | |
| € 1000 per coverage period and € 200 per item |
Portable Items
Personal Accidents
Accidental Damage to Electrical Equipment
Employer’s Liability (for Domestic Assistants)
BASIC COVERS BUILDING
- Fire, Lightning, Explosion, Earthquake or Smoke
- Storm, Flood, Tempest or Whirlwind
- Riot, Protests & Civil Commotion
- Vandalism and Malicious acts
- Aircraft and other aerial devices or objects falling from them and collision to your buildings of any vehicle, train or animal
- Escape of oil or water from any fixed water installation, heating, washing-machine, refrigerator & freezer Leakage of oil, liquid or water from any plumbing installation, heating, washing machine, refrigerator & freezer
- Theft or attempted theft
- Breakage or collapse of television or radio antennas, satellite dish, television or security systems up to 1.000€
- Equipment and machinery outside of the house including solar panels (Loss or damage to solar panels, air conditioners and heaters, water and oil tanks and photovoltaics) up to 1.000€
- Falling trees, branches, telephone poles, power poles or pylons
- Temporary accommodation or loss of rent (up to 3 months)
- Breaking of window panels & sanitary fixtures (Accidental breakage of glass, windows, doors and skylights) up to 500€ (not Sure)
- Water that freezes in any plumbing or heating system
- Architects and Engineers Fees up to 5% of the Sum Insured with minimum 5000€
- Debris Removal up to 5% of the Sum Insured with minimum 5000€
- Lock Replacement up to 500€
- Costs of trace and access up to 2000€
- Legal liability
| For property damages | 200.000€ |
| For bodily injuries | 200.000€ |
| For the period of Insurance | 200.000€ |
- Accidental Damage
OPTIONAL BUILDING COVERAGE
Automatic increase of Insured Amount for inflation during the renewal
Estia Plus package
| Short circuit | 5.000€ | |
| Home Conversion Costs | 5.000€ | |
| Funeral expenses | 5.000€ | |
| Emergency Return from Abroad | 1.000€ | |
| Seasonal Increase of Insured Content Amount | up to 1.000€ | |
| € 1.000 per coverage period and € 200 per item |
BASIC COVERS CONTENTS
- Fire, Lightning, Explosion, Earthquake or Smoke
- Storm, Flood, Tempest or Whirlwind
- Riot, Protests & Civil Commotion
- Vandalism and Malicious acts
- Aircraft and other aerial devices or objects falling from them and collision to your buildings of any vehicle, train or animal
- Escape of oil or water from any fixed water installation, heating, washing-machine, refrigerator & freezer Leakage of oil, liquid or water from any plumbing installation, heating, washing machine, refrigerator & freezer
- Theft or attempted theft (Full theft of Content excludes valuables or precious metals which must be accompanied by actual and violent entry or exit from buildings)
- Breakage or collapse of television or radio antennas, satellite dish, television or security systems up to 1.000€
- Equipment and machinery outside the house including solar panels (Loss or damage to solar panels, air conditioners and heaters, water and oil tanks and photovoltaics) up to 1.000€
- Falling trees, branches, telephone poles, power poles or pylons
- Temporary accommodation (up to 3 months)
- Leakage of oil, liquid fuel or water from the water supply and heating system of the house following an accidental failure in the specific system up to 700€
- Contents in freezer up to 200€
- Contents in the garden up to 400€
- Fatal injury of the Insured from an accident or fire inside the house up to € 10,000
- Legal liability
| For property damages | 200.000€ |
| For bodily injuries | 200.000€ |
| Food Poisoning | 2.000€ |
| Pet | 5.000€ |
| For the period of Insurance | 200.000€ |
- Personal Money up to 500€
Estia Plus package
| Short circuit | 5.000€ | |
| Home Conversion Costs | 5.000€ | |
| Funeral expenses | 5.000€ | |
| Emergency Return from Abroad | 1.000€ | |
| Seasonal Increase of Insured Content Amount | up to 1.000€ | |
| € 1.000 per coverage period and € 200 per item |
Portable Items
Personal Accidents
Accidental Damage to Electrical Equipment
Employer Liability (for Domestic Assistants)
| MAXISAFE RESIDENCE | Maxisafe Elite Residence | ||||||||||
| BUILDING | BUILDING | CONTENT | BUILDING | CONTENT | |||||||
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Fire, Lightning, Explosion, Earthquake or Smoke |
√ | √ | √ | √ | |||||||
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Storm, flood, tempest or hurricane |
√ | √ | √ | √ | |||||||
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Riot, civil commotion, labour or political disturbances. |
√ | √ | √ | √ | |||||||
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Vandalism and malicious acts |
√ | √ | √ | √ | |||||||
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Falling of aircrafts or flying objects and/or items falling dropped from them |
√ | √ | √ | √ | |||||||
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Water, liquid gas or oil escaping from any fixed water or heating system, washing machine, dishwasher, refrigerator, freezer in the house. |
√ | √ | √ | √ | |||||||
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Theft or attempted theft of jewelry, coverage is limited to 5% of the content-value content when it is in a locked drawer or safe (more than 5% see extra coverage) |
√ | Theft or attempted theft after a burglary | √ | √ | |||||||
|
Television or radio antennas breaking or collapsing |
√ | UP TO € 1000 | √ | UP TO € 1000 | |||||||
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Equipment and machines outside the house including solar |
UP TO € 1000 | UP TO € 1000 | √ | UP TO € 1000 | |||||||
|
Fall of trees |
√ | √ | √ | √ | |||||||
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Temporary accommodation & loss of rent |
√ | √ | √ | √ | |||||||
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Breakage of glass or sanitary fixtures up to € 500 |
√ | √ | |||||||||
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Water freezing in any fixed water or heating systems in the house |
√ | √ | |||||||||
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Architects and Engineers Fees 5% of the insurance amount with a minimum of € 5000 |
It is provided with an extra charge | √ | |||||||||
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Debris Removal Expenses 5% of the insurance amount with a minimum of € 5000 |
It is provided with an extra charge | √ | |||||||||
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Lock Replacement Up to € 500 |
√ | ||||||||||
|
Costs of trace and access |
TO € 500 €500 |
UP TO € 2000 | |||||||||
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Loss of oil and water |
TO € 700 | TO € 700 | |||||||||
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Freezer contents up to € 200 |
√ | √ | |||||||||
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Content within the garden |
TO € 400 | UP TO € 1000 | |||||||||
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Fatal injury benefit up to € 10000 |
√ | √ | |||||||||
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Legal responsibility: |
€50.000 €100.000 €100.000 |
€50.000 €100.000 €100.000 |
€200.000 €200.000 €200.000 |
€200.000 €200.000 €200.000 €2.000 €5.000 |
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| Optional Coverage | MAXISAFE RESIDENCE | Maxisafe Elite Residence | |||||||||
| OC1 Portables Possessions | √ | √ | |||||||||
| OC2 Personal Accidents | √ | √ | |||||||||
| OC3 Accidental Damage (Buildings) | √ | √ | |||||||||
| OC4 Accidental Damage (Electrical Equipment) | √ | √ | |||||||||
| OC5 Liability to Domestic Employees € 160,000 (Coverage Limit) | √ | √ | |||||||||
| OC6 ELITE PLUS PACKAGE | 1. Short circuit cover up to € 5000. | √ | √ | ||||||||
| 2. Housing Conversion Costs up to € 5000. | |||||||||||
| 3. Funeral expenses up to € 5000 after an accident in the house. | |||||||||||
| 4. Emergency Return From Abroad Up to € 1000. | |||||||||||
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5. Seasonal Increase the contents sum insured up to € 1000 per cover period and € 200 per item. |
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"MAXISAFE" Home Policy Proposal